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All Journal AGRIEKONOMIKA Agridevina : Berkala Ilmiah Agribisnis Jurnal Teknologi Informasi dan Ilmu Komputer Mimbar Agribisnis: Jurnal Pemikiran Masyarakat Ilmiah Berwawasan Agribisnis JURNAL PENDIDIKAN TAMBUSAI Jurnal Ilmiah RESPATI Jurnal Abdi Insani Nusantara Science and Technology Proceedings Jurnal Ilmiah Wahana Pendidikan Agrimansion: Agribusiness Management & Extension Jurnal Pengabdian Kepada Masyarakat Patikala Jurnal Agro Dedikasi Masyarakat (JADM) AJARCDE (Asian Journal of Applied Research for Community Development and Empowerment) Jurnal Ilmiah SOSIO AGRIBIS CONSEN: Indonesian Journal of Community Services and Engagement Buletin Penelitian Sosial Ekonomi Pertanian Fakultas Pertanian Universitas Haluoleo Information Technology International Journal (ITIJ) Nanggroe: Journal of Scholarly Service Al-Zayn: Jurnal Ilmu Sosial & Hukum Kajian Ilmiah Hukum dan Kenegaraan Agroland: Jurnal Ilmu-ilmu Pertanian Jurnal Ilmiah Manajemen Agribisnis Islamic Studies Journal
Harya, Gyska Indah
Department Of Agribusiness, Faculty Of Agriculture, Universitas Pembangunan Nasional “Veteran” Surabaya, East Java
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Journal : Islamic Studies Journal

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ISLAMIC SOCIAL FINANCE AND THE SUSTAINABLE DEVELOPMENT GOALS (SDGs): A STRATEGIC FRAMEWORK FOR INCLUSIVE DEVELOPMENT Fadil, Cholid; Harya, Gyska Indah
Islamic Studies Journal (ISLAM) Vol. 3 No. 1 (2026): Islamic Studies Journal
Publisher : Penelitian dan Pengembangan Ilmu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62207/q7jr3z14

Abstract

The achievement of the Sustainable Development Goals (SDGs) faces significant challenges due to a global financing gap estimated at USD 4.2 trillion annually. This study aims to formulate a strategic framework for Islamic Social Finance (ISF), which includes zakat, infaq, sadaqah, and waqf (ZISWAF), as an instrument for financial inclusion and sustainable development. This study employs a narrative review method with a comprehensive approach by synthesizing literature published over the last ten years from the Scopus, Web of Science (WoS), and Google Scholar databases, with a comparative focus on the ISF ecosystem in Indonesia, Malaysia, and the Gulf Cooperation Council (GCC) countries. The findings indicate that the effectiveness of ISF in supporting the achievement of the SDGs, particularly poverty alleviation (SDG 1) and inequality reduction (SDG 10), is highly dependent on governance reforms. Digital transformation through fintech and blockchain is identified as a key catalyst in strengthening transparency (shafafiyah) and accountability (mas’uliyah). In addition, the shift from consumptive assistance models toward productive economic empowerment and waqf-based investment has been shown to generate more measurable long-term social impacts. This study concludes that the integration of maqasid al-shariah principles with modern governance constitutes a fundamental prerequisite for ISF institutions to create inclusive, equitable, and sustainable welfare distribution.
Co-Authors Alam, Fajar Indra Nur Anjani, Laurent Regina Arsita, Rita Vita Athillah, Zaidan Akmal Aura, Ananda Shafiyah Khansa Ayu Bramasari, Nadya Budiwitjaksono, Gideon Setyo Cholid Fadil Damayanti, Lucky Dara, Salsabila Arysca Diamonds, Gabriella Pusparini Tasya Patricya Dian Puspitasari Dita Atasa Dona Wahyuning Laily Donny Irawan, Donny Dwi Puspitasari Eko Nurhadi Fadilah, Natasya Fahmi, Muhammad Zakki Fahruddin, Khabib Fitranto, Deyon Yanuar Fitrasha, Firda Laksmi Gideon Setya Budiwitjaksono Gifani, Jenny Amelia Haiimah, Azki Nur Hariati, Hariati Hayakawa, Narumi Ida Syamsu Roidah Idhoh Fitriana, Nisa Hafi Idhom, Muhammad Iftikhor, Gevyma Tharis Inti, Ristani Widya Karlina Jati, Putri Khairani, Fahril Laili Khan, Md. Aminul Islam Khawarizmi, Muhammad kusumastuti, erwin kusumastuti Kusumastuti3, Erwin Laksono, Heksa Budi Luluk Edahwati Mahardika, Serly Bella Mahiro, Septiana Dina Maliha, Amanda Mardika, Anggita Marinda, Ghin Uzdah Matseri, Aulia Maharani Setyowati Mubarokah Mubarokah Naldi, Brian Pikto Nandika, Septiyan Dwiki Nashania Rohmah, Naswah Noviputri, Yoanna Travellina Nugroho, Sofyan Dwi Nuriah Yuliati Patiung, Markus Patriciya Diamonds, Gabriella Pusparini Tasya Pattynama, Francis Maryanne Pawana Nur Indah Pradita, Fajar Pramesti, Anselma Abistha Prasadja, Yanas Putra Prasetyo, Fitriano Prasetyo, Rachmad Dwi Pratama, Arista Prihartini, Nanda Trisna Putri, Alifah Rafidah Putri, Desti Agustia Rahayu, Rinda Lestari Rusyda, Ahmad Naufal Samsiyah, Vita Nur Santoso, Wahyu Sisyawati, Raniasani Sri Widayanti Sudiyarto Sudiyarto Sudiyarto Syarif Imam Hidayat Utama, Nugraha Maulana Utami, Rahayu Sri Wachidan, Mochammad Wisnu Wahyu Dwi Lestari Wahyu Santoso Wahyuningrum, Widya Wanti Mindari Wibowo, Daniel Ivandha Putra Widayanti , Sri Wikarsa, Ommar Galih